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Less fees and charges If you look closely at your credit card agreements, you’ll probably find that you’re being charged heavy annual fees.

If you decide to refinance and consolidate your debts, you’ll have only one set of administrative fees, making it much easier to know where your money is going.

Many people try debt consolidation, but not all emerge better off.

Some borrowers wind up in worse shape, either because they run up their credit cards again or because their debt remains overwhelming despite the better repayment terms.

There are many ways to consolidate your credit card and other debt, such as with a 0% APR credit card, a home equity loan or a personal loan.

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